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We do not have any policy exclusions or small print that invalidates cover for travel to a country that is subject to a ‘do not travel advisory’ for either security concerns or COVID-19, such as amber or red travel watch lists See FAQ
There are different reasons why you might need to get in touch about your insurance with Hotspot Cover. In this section we will show you how to:
The Insured Persons should use the services of the following assistance company for all claims matters including medical assistance, security assistance, in-patient hospital treatment and evacuation/repatriation. The assistance company will be solely responsible for all decisions and all assistance is subject to their prior approval:
If you are overseas and need to make an emergency claim you can reach us by telephone or email. For example, if you need to be admitted to hospital urgently, or need to replace a stolen passport. Have your policy number handy and we’ll get you sorted.
Our emergency response team is specifically trained to assist travellers and is always available, 24 hours, 7 days a week.
You can call +44(0) 207 183 8927 from anywhere in the world
(press 1 for assistance, press 2 for non-assistance claims)
24/7 NGS Assistance Email: email@example.com
It is imperative that NGS is contacted as soon as reasonably practical and authorisation is obtained prior to any treatment and/or evacuation/repatriation taking place.
For 24/7 assistance, NGS must be informed that this Contract covers the person concerned and the following details must be provided:
Failure to contact NGS and obtain authorisation may prejudice the claim and could mean that some or all of the costs involved may not be paid. The the Insured Person should not attempt to find their own solution and then expect full reimbursement from the Underwriters without prior approval first having been obtained from NGS.
In the event that liability cannot be established at the outset of an emergency it is agreed that the first named insured will guarantee payment until such time that liability can be accepted by insurers.
If you are overseas or back home and wish to make a claim that does not need an immediate, emergency response, the easiest way is to email HOTSPOTclaims@advent.claims
Provided we’ve got all the necessary documents we’ll process, assess, and pay your claim without delay, typically within 5 to 10 working days. Don’t worry, we’ll let you know if we need any further information or documents to help process your claim.
If you need advice regarding a claim, or need to check your cover we can help you with that. Have your policy number handy and we’ll get you sorted. You can find your policy number on your Certificate of Insurance. We emailed it to you on the day you purchased your policy.
We also offer a live chat service during business hours. Click the orange icon at the bottom right of your screen.